试论信用卡业务的风险及其防范.doc

山东工商学院
SHANDONG INSTITUTE OF BUSINESS AND TECHNOLOGY
学年论文(设计)
ACADEMIC TIME (DESIGN)
论文(设计)题目
Title Of Thesis(Design)
试论信用卡业务的风险及其防范
分院(系别)
Department
经济学院
专业
Speciality
金融
班级
Class
金融071
论文(设计)作者
Author of Thesis(Design)
刘贝耘
论文完成日期
Date
2010年08月
论文(设计)指导教师
Advisor
火颖
指导教师职称
The Title of Advisor
讲师
试论信用卡业务的风险及其防范
[摘要]
我国信用卡业务虽然起步较晚,但是发展非常迅速,中国已悄然成为全球信用卡发展潜力最大的市场。我国信用卡业务高速发展的同时也产生了很多问题,如信用卡受理环境差,特约商户普及率低导致刷卡消费受限,机械故障多、退货还款繁琐,服务落后等。为此,必须从外部环境和信用卡自身两方面入手,结合信用卡发展现状特征,改善受理环境,提高信用卡安全性能,增强信用卡的信用度,引导消费者正确消费等,促进我国信用卡业务的健康发展。
[关键词]:信用卡;信用卡业务;银行
The Problems and Counter Measures of Credit Card Industry In China
Abstract: Although our country’s credit industry started relatively later ,it developed very rapidly, China has e the largest potential market in the global credit card world. With the fast development of the credit card business, a lot of problems arised. Such as: the environment of credit card accepting is disappoint, consume with credit card be limited. And there are impediments in POS machine, returning merchandise is very troublesome ,and so on. Therefore, we must go to research with exterior and interior environment, bining the present conditions to prefect the credit card accepting environment. Improving credit card’s security, enhancing credit card’s credit, leading consumer to use credit card. From this , credit card business can gr